Call reports 2005
BANK OF THE WEST, THE — 2005
What BANK OF THE WEST, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 105,833,000 | 108,707,000 | 117,512,000 | 125,319,000 |
| Total loans | 99,196,000 | 102,882,000 | 113,695,000 | 120,429,000 |
| Allowance for loan losses | 994,000 | 1,077,000 | 1,019,000 | 1,086,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,157,000 | 96,115,000 | 104,620,000 | 105,491,000 |
| Interest-bearing deposits | 81,163,000 | 84,300,000 | 92,380,000 | 91,206,000 |
| Noninterest-bearing deposits | 11,994,000 | 11,815,000 | 12,240,000 | 14,285,000 |
| Equity capital | 12,338,000 | 12,217,000 | 12,080,000 | 12,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,796,000 | 3,669,000 | 5,737,000 | 8,078,000 |
| Interest expense | 448,000 | 935,000 | 1,534,000 | 2,312,000 |
| Net interest income | 1,348,000 | 2,734,000 | 4,203,000 | 5,766,000 |
| Noninterest income | 77,000 | 153,000 | 219,000 | 288,000 |
| Noninterest expense | 687,000 | 1,412,000 | 2,147,000 | 2,915,000 |
| Provision for loan losses | 65,000 | 148,000 | 235,000 | 325,000 |
| Pretax income | 673,000 | 1,327,000 | 2,040,000 | 2,814,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 673,000 | 1,327,000 | 2,040,000 | 2,814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,338,000 | 12,217,000 | 12,080,000 | 12,134,000 |
| Total capital | 13,332,000 | 13,294,000 | 13,099,000 | 13,220,000 |
| Risk-weighted assets | 93,762,000 | 96,674,000 | 106,467,000 | 119,531,000 |